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State Bank Of India Loans

State Bank of India, a major public sector bank in India, is providing a host of loan products to cater to the various needs of the customers. State Bank of India loans come with all the benefits and features that borrowers constantly look for.

About State Bank of India Loans

State Bank of India loans come with truly affordable rates and flexible repayment terms. The terms and conditions are excellent and have been designed to suit the borrowers’ needs. Loan programs are available from State Bank of India to meet the requirements of individual customers, corporate clients, small and medium enterprises, Non resident Indians, export and import businesses and agriculturists. Given below are the different types of loan products offered by State Bank of India:


State Bank of India loans – Personal banking
The personal banking division of State Bank of India offers the following loan products:

  • Loans to employees for purchasing ESOPS (Employee Stock Option Plans) of their companies
  • SBI NRI housing loan scheme
  • Home loans
  • SBI Reverse mortgage loan
  • SBI Saral personal loan
  • Short term housing loan
  • Gram Nivas scheme
  • Easy travel loan








  • Education loan
  • Car loan
  • Property loan
  • Scholar loans
  • Loan against shares\debentures
  • Loan to pensioners
  • Festival loans
  • Loan for earnest money deposit
  • Teachers-Plus scheme
  • Medi-Plus scheme
  • Tribal-Plus scheme
  • Sainik-Plus scheme
  • Rent Plus
  • Credit Khazana
  • SBI Career loan

State Bank of India Loans – NRI Services

The NRI banking division of State Bank of India offers the following loan products:

  • NRI Car loan scheme
  • NRI Home loan

State Bank of India Loans – International Banking

The International banking division of State Bank of India offers the following credit schemes:

1) Trade Finance

For Importers

  • Supplier’s credit
  • Foreign Currency import credit

For Exporters

  • Pre-Shipment Export Credit
  • Rupee Export Credit (Pre-Shipment and Post-Shipment)
  • PreShipment Credit in Foreign Currency (PCFC)
  • Post-Shipment Export Credit
  • Letter of Credit
  • Export Bill Rediscounting

2) Project Export Finance

Non-fund based facilities

  • Advance Payment Guarantee
  • Bid Bond Guarantee
  • Payment Guarantee
  • Performance Guarantee Down
  • Maintenance Guarantee
  • Retention Money Guarantee
  • Overseas Borrowing Guarantee

Fund-based facilities

  • Pre-shipment credit
  • Buyer’s credit
  • Rupee/foreign currency supplier’s credit

3) Merchant Banking

  • Syndicated loans
  • Commercial loans
  • FCNR loans
  • Lines of Credit from Foreign Banks and Financial Institutions
  • Financing of Imports.
  • Loans from Export Credit Agencies

State Bank of India loans – Rural banking

The rural banking division of State Bank of India offers the following credit schemes:

1) Agricultural credit

  • Kisan Credit Card (KCC)
  • Agricultural gold loans
  • Kisan Gold Card Scheme (KGC)
  • Produce marketing loan
  • Land purchase scheme
  • Establishing of Agri-clinic and Agri business centres
  • Financing of used/second hand tractors scheme
  • Scoring model for tractor loans
  • Financing for combine harvesters
  • Financing power tillers
  • Dairy Plus Scheme for financing dairy units
  • Scheme for financing agricultural equipments – where tangible properties are formed
  • Broiler Plus
  • Dairy Society Plus - Scheme for financing dairy societies
  • SBI Krishak Uthaan Yojna
  • Scheme for covering loans for general purpose under - General Credit Card (GCC)
  • Scheme for financing private warehouses/private cold storage for onlending to farmers
  • Gramin Bhandaran Yojna - capital investment subsidy scheme for renovation/construction of agricultural godowns
  • Mortgage loan to seed processing units
  • Scheme for financing seed processors
  • Scheme for debt switching of borrowers
  • Capital investment subsidy scheme for commercial production units of organic inputs under national project on organic farming
  • Minor irrigation schemes
  • Arthiyas Plus scheme
  • Financing JLG of tenant farmers
  • Finance to cultivation/gardening
  • Sanjeevani
  • Scheme for financing non government organisations (NGOs)/micro finance institutions (MFIS)
  • Financing for organic farming
  • Krishi Kalyan
  • Financing JLG of tenant farmers

Micro Credit

  • Financial inclusion
  • Micro credit (Self help group)

State Bank of India loans – Corporate banking

The corporate banking division of State Bank of India offers the following credit schemes:

  • Working Capital Finance
  • Trade finance products (Bank guarantees and letters of credit)
  • Deferred Payment Guarantees
  • Project Finance
  • Structured Finance
  • Corporate Term Loans
  • Channel Financing
  • Dealer Financing
  • Loan Syndication
  • Equipment Leasing
  • Financing Indian Firms Joint Ventures or Overseas Subsidiaries

State Bank of India loans – SME Banking

The SME Banking division of State Bank of India offers the following credit schemes:

  • Surabhi deposit scheme
  • Commodity backed warehouse receipt financing
  • SSI loans
  • Traders easy loan scheme
  • Open term loan
  • Business current accounts
  • Doctor Plus
  • Retail Trade
  • SBI Shoppe
  • Dental doctor Plus
  • SME Credit Plus
  • Cyber Plus
  • SME Petro Credit
  • Small business credit card
  • Paryatan Plus
  • Dal Mill Plus
  • Auto loan
  • Transport operators
  • Rice Mills Plus
  • Artisan credit card
  • Swarojgar credit card
  • School Plus


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